This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond,
3 month T-Bill, and US inflation. For each year of each simulation, a random return and
inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current
savings, the amount that you can save annually before you retire, and the amount that
you plan to withdraw after retirement. Your annual deposits and withdrawals take
inflation into account. For example, if you need $50,000 to live on in retirement using today's
dollars, we will automatically take into account the cost of living for your retirement
years. The same is true for your annual deposits. Next, decide if you'd like to simulate
a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash.
Cash assumes that your money is stored in a savings account. You can then alter the
future returns and inflation. For example, if the market has historically returned about
10%, but you think the future will be worse, modify the stock returns by -3%, and the
future returns will average out to 7%. Investment fees can also lower stock market returns.
Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities,
and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must
also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently
than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past.
In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei
Index is still well below its 1989 peak. Numerous other markets have changed
drastically and never recovered. However, this online tool is helpful in retirement planning and
estimating how much you might need for retirement, especially those hoping to retire early.
We recommend receiving advice from a financial planner.

Want to retire with $2,590,000?

Depending on your rate of return and investment timeframe, you'll need to
save this amount every month.

2%

4%

6%

8%

10%

11.6%

1 years

$213,880

$211,975

$210,116

$208,302

$206,530

$205,143

2 years

$105,881

$103,909

$101,998

$100,145

$98,348

$96,948

3 years

$69,886

$67,906

$65,999

$64,164

$62,396

$61,028

4 years

$51,892

$49,918

$48,031

$46,226

$44,501

$43,175

5 years

$41,099

$39,136

$37,274

$35,506

$33,829

$32,549

6 years

$33,905

$31,958

$30,123

$28,395

$26,768

$25,535

7 years

$28,769

$26,838

$25,032

$23,345

$21,769

$20,585

8 years

$24,919

$23,005

$21,229

$19,583

$18,060

$16,924

9 years

$21,926

$20,030

$18,285

$16,681

$15,209

$14,121

10 years

$19,533

$17,656

$15,941

$14,379

$12,959

$11,918

11 years

$17,576

$15,718

$14,034

$12,514

$11,145

$10,151

12 years

$15,947

$14,107

$12,455

$10,976

$9,658

$8,710

13 years

$14,569

$12,749

$11,128

$9,691

$8,422

$7,518

14 years

$13,389

$11,588

$9,998

$8,602

$7,383

$6,523

15 years

$12,368

$10,586

$9,027

$7,672

$6,500

$5,683

16 years

$11,475

$9,713

$8,184

$6,869

$5,745

$4,969

17 years

$10,688

$8,945

$7,448

$6,172

$5,094

$4,358

18 years

$9,989

$8,266

$6,799

$5,562

$4,529

$3,832

19 years

$9,364

$7,660

$6,224

$5,026

$4,037

$3,377

20 years

$8,803

$7,118

$5,712

$4,552

$3,606

$2,982

21 years

$8,295

$6,631

$5,254

$4,131

$3,227

$2,638

22 years

$7,835

$6,189

$4,842

$3,756

$2,892

$2,337

23 years

$7,415

$5,789

$4,471

$3,421

$2,596

$2,073

24 years

$7,030

$5,424

$4,135

$3,120

$2,334

$1,840

25 years

$6,677

$5,090

$3,830

$2,849

$2,100

$1,636

26 years

$6,352

$4,784

$3,552

$2,605

$1,892

$1,456

27 years

$6,051

$4,502

$3,298

$2,385

$1,705

$1,296

28 years

$5,773

$4,242

$3,066

$2,185

$1,539

$1,155

29 years

$5,513

$4,002

$2,853

$2,004

$1,390

$1,030

30 years

$5,272

$3,780

$2,658

$1,839

$1,256

$918

31 years

$5,047

$3,573

$2,478

$1,689

$1,135

$820

32 years

$4,836

$3,381

$2,312

$1,552

$1,027

$732

33 years

$4,638

$3,202

$2,159

$1,427

$929

$654

34 years

$4,453

$3,034

$2,017

$1,313

$841

$584

35 years

$4,278

$2,878

$1,886

$1,209

$762

$522

36 years

$4,114

$2,732

$1,764

$1,113

$690

$467

37 years

$3,958

$2,594

$1,651

$1,026

$626

$417

38 years

$3,811

$2,466

$1,546

$945

$567

$373

39 years

$3,673

$2,345

$1,448

$872

$514

$334

40 years

$3,541

$2,231

$1,358

$804

$467

$299

41 years

$3,416

$2,123

$1,273

$742

$423

$267

42 years

$3,297

$2,022

$1,194

$685

$384

$239

43 years

$3,185

$1,927

$1,121

$632

$349

$214

44 years

$3,077

$1,837

$1,052

$584

$316

$192

45 years

$2,975

$1,751

$988

$539

$287

$172

46 years

$2,877

$1,671

$928

$498

$261

$154

47 years

$2,784

$1,594

$871

$460

$237

$138

48 years

$2,695

$1,522

$819

$425

$215

$123

49 years

$2,610

$1,454

$770

$393

$195

$110

50 years

$2,529

$1,388

$724

$363

$177

$99

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $2,590,000,
adding $2,699 every year, while hoping to spend $51,168 every
year in retirement. These numbers increase with inflation.

Reality usually performs much different than the expected returns. This uses historical
averages, but anything can happen. In general, riskier investments have greater returns on average,
but more volatility in the short term.